Re: Self-Service Access for Client-Facing Apps on Apache Fineract CN

[Ed Cable]

Hi Markus,

Thanks for your replies.

For the rest of the community,

While I know that with the previous iteration of self-service apps, we
focused on implementing the back-end first and then allowing front-end use
cases to follow, a good approach this time around would be to get some
solid client-facing use cases identified and then design the back-end and
integration with the data to support those use cases. Nayan from RuPie has
shared some initial use cases he has. I'm working with a Mifos volunteer,
Sundari Swami, to flesh these out further but wanted to share the initial
use cases Nayan had presented to stimulate further discussion on what the
best approach to supporting a client-facing app on Apache Fineract CN that
would support adequately:

>From customer side

UC 1. Client signup with basic data, and spot verification either with OTP
to mobile number or Aadhaar verification
UC 2. Customer can enter customer's other details like address, family,
work, income/expense details, once this data is verified from back office,
customer can't edit any of these data
UC 3. Apply for loans
UC 4. Repay EMI
UC 5. Preclose his/her loans
UC 6. Log support request
UC 7. Upload documents like photo of electricity bills, voter id, passport
etc, once documents are verified and accepted from back office customer
cab't edit , delete the verified documents, but customer can upload new
documents

>From organization point of view

UC 1, Offer loan products based below criteria


   - Location ( Example, Bengaluru has P1 and P2 products where as jaipur
   has P2 and P3 products )
   - Based on customer work profile ( for salaried person offer personal
   loans, for business person offer working capital )
   - based gander, income etc

UC 2. User management, (In Rupie's case they have around six thousand self
service users, need effective user management suite, search user, user
activity tracking etc)
- So user management has to be a lot more robust than user management from
the perspective of staff users.
UC 3.  Push ad-hoc/rule based/event based notification to users

Ed

On Tue, Jan 16, 2018 at 11:58 AM, Markus Geiss  wrote:

> Dear Ed,
>
> We at Kuelap have no plans because believe we should never give members,
> agents, or other third parties direct access to the financial institution's
> data.
> Aside from any regulatory standpoint this is a huge flaw in the current
> system.
>
> My company is working on two offline-first clients that we think are more
> secure
> architecture; one will provide a reduced set of functionalities for
> employees
> working in remote areas; The second one will provide mobile banking
> functionalities for members of financial institutions.
>
> Once the company feels the time is right to share our work, we may propose
> these apps or at least the secure architecture to the community, but we are
> not nearly far enough along to do that now.
>
> Cheers
>
> Markus
>
> .::Yagni likes a DRY KISS::.
>
>
> On Tue, Jan 16, 2018 at 3:54 PM Ed Cable  wrote:
>
> > Markus, Mark or others who could best respond,
> >
> > What is the planned design for enabling third parties (i.e. non-staff)
> such
> > as clients, agents, etc to authenticate themselves and access data within
> > Apache Fineract CN.
> >
> > From what I recalled, you were planning to take a more secure approach
> than
> > simply providing a self-service API that has access to the full
> production
> > database but rather have a separate data layer for self-service users?
> >
> > Could you update the community on what the plans are for providing access
> > to enable these client-facing applications? Is it documented anywhere?
> >
> > One reason I ask is it that as the Mifos Initiative thinks about GSOC
> 2018,
> > I'd like to consider a project on building out an initial mobile banking
> > app on top of Apache Fineract CN.
> >
> > Thanks,
> >
> > Ed
> >
>



-- 
*Ed Cable*
President/CEO, Mifos Initiative
edca...@mifos.org | Skype: edcable | Mobile: +1.484.477.8649

*Collectively Creating a World of 3 Billion Maries | *http://mifos.org
  

Re: [Mifos-developer] Open Banking and API Market

[Ed Cable]

Hi Victor,

Thanks for your email as it's a very prescient topic with all of the
conversations in the fintech and core banking space around open banking and
the API economy. We would appreciate your efforts in trying to works better
API classification as well as alignment with BIAN. BIAN compliance has been
discussed for a couple of years now but I think that itself deserves a
separate thread.

I have included the Fineract dev list as all of the work around APIs is
happening on top of Fineract and not just the Mifos X distribution.

All of the Swagger work is actually now complete. Sanyam did the majority
of the work during his GSOC internship and then under Sanyam's leadership,
GCI student, Chirag Gupta, completed the remaining work.

We will be shipping this in the release following the current Fineract
release that's being worked on.

You can see the live documentation of the APIs at
http://ewh.ieee.org/sb/delhi/bvce/dist/ and a final report on Sanyam's
project:
https://docs.google.com/document/d/11oycsKBtvLFmFV-_YsOuCqNOhD19il71g8RXSklxyjw/edit#

Please see my replies inline.

On Thu, Jan 25, 2018 at 10:05 PM, Victor Manuel Romero Rodriguez <
victor.rom...@fintecheando.mx> wrote:

> Hello mates,
>
> Let me introduce myself quickly, I am from Mexico, my team and me founded
> a FinTECH startup, currently we use and promote Mifos as a Core Banking
> solution in our country, we love open source and we are happy to contribute
> to this project :)
>
> We we have some question, most of them have been raised by potential users,
>
> - Is there any way to integrate Mifos's API into private and public API
> markets ?
>

It would be great to get the Fineract API into the private and public API
markets and would appreciate your efforts to advance the same. I think we
really need to think about how institutions can leverage the APIs by
utilizing a thin layer of Apache Fineract if they don't have it installed
as their core banking system.

> - Which is the position of Mifos about the Open Banking?
>

We want to better establish Mifos/Fineract as a leader in this movement but
we need to develop better awareness and get more visibility.

> - Does Mifos Implement any API classification? (just like the BIAN
> classification, please refer to https://bian.org/api-
> classification-guideline-for-bian-architecture/ )
>
> *We started to look into the documentation trying to find any information
> to provide answers. *
>
> *I am writting this email to get any response about the queries and also
> to contribute because we have found that there is a In progress feature
> about improving the API's*
>
> https://cwiki.apache.org/confluence/display/FINERACT/
> REST+API+Live+Documentation+Using+Swagger
>
> In this point we want to contribute, we have used Swagger to generate the
> documentation as per the OAS 2 and also we use SCM (git) and CI/CD tools
> (jenkins,fastlane) for the automation of the code generation for the mobile
> hybrid applications (from swagger.json to typescript models/services),
> using Swagger, we keep updated the documentation and also the apps are in
> sync with the changes in the API, for this point we will contact Ed Cable
> and @Sanyam Goel 
> .
>
> Regards
>
> Victor Romero
>
> 
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-- 
*Ed Cable*
President/CEO, Mifos Initiative
edca...@mifos.org | Skype: edcable | Mobile: +1.484.477.8649

*Collectively Creating a World of 3 Billion Maries | *http://mifos.org
  

Data Migration from Loan Performer

[Ed Cable]

Hello all,

We have a prospective user that is looking to migrate over from Loan
Performer. I know that several community members in the past have migrated
over from Loan Performer and was wondering if any tools or tips could be
shared to assist with the migration as I know a lot of clean up and
conversion of data from LPF has to occur before it's ready to go into
Mifos/Fineract.

Thanks,

Ed

-- 
*Ed Cable*
President/CEO, Mifos Initiative
edca...@mifos.org | Skype: edcable | Mobile: +1.484.477.8649

*Collectively Creating a World of 3 Billion Maries | *http://mifos.org